Had also mentioned the negotiating part - but the history shows, that there isnÄt that much interest from the insurance companies to really keep prices low, as they are able to always get more money from their "clients" via our regulators.

So even here, where the system is probably better then in the US, it could be improved massively via regulation, without killing all profits or even the investments on R&D by the companies.

But the political will seems to be missing.